Privacy Policy

We believe privacy matters. We want to get paid for saving you money, not for selling your data. We developed this policy for you to understand how we collect, use, communicate, and disclose and make use of personal information. The following outlines our privacy policy:

Last Revised: June 24, 2022

Summary
BillFixers, LLC (collectively, “we,” “us,” or “our”) respects individual privacy and values the confidence of our subscribers and consumers.  We want you to be familiar with what information we collect about you, how the information is used, and what choices you have regarding the collection and use of your information.  The privacy principles that we follow concerning the collection, use, disclosure, and protection of information when providing our products and services are consistent with relevant U.S. federal and state laws.

This Privacy Policy (the “Policy”) applies to and describes our privacy practices and principles in connection with our subscribers and consumers who access our website.  The Policy covers information that we automatically collect directly from you when you interact with our websites, and from third party sources.  By using our websites and/or our services, you signify your acknowledgement of this document and consent to the privacy practices described in this Policy.  You also agree to obtain annual notices and changes to this Policy electronically by visiting our website.

Information We Collect
We receive and store any information you provide to us. For example, through the registration process, your account settings or when are you are seeking bill negotiation(s), we may collect Personal Information such as your name, email address, address, phone number, job title, company name, employer, social media handle, gender, last four digits of social security number, service account identifier, other information about your service account, and IP addresses – among other categories of data potentially required to identify and negotiate bills on your behalf or otherwise provide our services.

Communications:  We may collect Personal Information through email, chat, text, or phone, or through our website, email, or paper correspondence. We may communicate with you regarding your Service Provider’s bill transactions with us or topics other than your Service Provider’s bill account transactions with us if you’ve provided us the means to do so. For example, if you’ve given us your email address, we may send you email you about your use of the services you signed up for. Also, we may receive a confirmation when you open an email from us. This confirmation helps us make our communications with you more interesting and improve our services.

Third-Party Account Credentials: If you provide your third-party account credentials to us or otherwise sign in-to the Services through a third party site or service, you understand some content and/or information in those accounts (“Third Party Account Information”) may be transmitted into your account with us if you authorize such transmissions, and that Third Party Account Information transmitted to our Services is covered by this Privacy Policy. You may revoke your permission for us to use third party credentials provided to us at any time. Certain information may be required to register with us or to take advantage of some of our services and/or features.

Information from Third Parties

Although we often collect the Personal Information described above directly from you, we may also collect this information through service providers and other third parties that collect it on our behalf, such as publicly available sources, from our vendors, and our marketing partners.

Information you provide, or that we otherwise collect, is used to facilitate the services described herein, and to identify and let you know of additional services you might be interested in.

Information Collected Automatically

We and our third-party providers may also collect log data from an individual’s device, browsing actions and site usage patterns automatically when visiting or interacting with our Site, which may include:

Internet protocol (IP) address, operating system, browser type, browser id, the URL entered and the referring page/campaign, date/time of visit, the time spent on our Site and any errors that may occur during the visit to our Site;

Analytics Data, such as the electronic path taken to our Site, through our Site and when exiting our Site, as well as usage and activity on our Site; and
Location Data, such as general geographic location based on the log data we or our third-party providers collect.

We and our third-party providers may use (i) cookies or small data files that are stored on an individual’s computer and (ii) other, related technologies, such as web beacons, pixels, embedded scripts, location-identifying technologies and logging technologies (collectively, “cookies”) to automatically collect this Personal Information. For example, our Site uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect and view reports about the traffic on our Site. More information about the use of Google Analytics for these analytical and non-advertising purposes can be obtained by visiting Google’s privacy policy here and Google’s currently available opt-out options are available here.

To manage cookies, an individual may change their browser settings to: (i) notify them when they receive a cookie, so the individual can choose whether or not to accept it; (ii) disable existing cookies; or (iii) automatically reject cookies. Please note that doing so may negatively impact an individual’s experience using our Site, as some features and offerings may not work properly or at all. Depending on an individual’s device and operating system, the individual may not be able to delete or block all cookies. In addition, if an individual wants to reject cookies across all browsers and devices, the individual will need to do so on each browser on each device they actively use. An individual may also set their email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether they have accessed our email and performed certain functions with it.

Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track certain of your online activities over time and/or across different websites. Our Services do not support Do Not Track requests at this time, which means that we collect information about your online activity both while you are using the Services and after you leave our Services.

We and our third-party partners may also use cookies and tracking technologies for advertising purposes.

How We Use Personal Information

We use your personal information to:

Provide you with bill negotiation services.
Send transactional alerts to the e-mail address in your profile;
Send important information to you relating to your account, the Site, our Terms and Conditions, and our policies.
Inform you of products, services, and promotions that may be of interest to you unless you have requested that we do not send you marketing and promotional communications;
Perform everyday business functions such as audits, detecting and preventing fraud, analysis, product improvements, research, development, and security;

We may share your Personal Information that is no longer personally identifiable. We may anonymize your Personal Information so that you are not individually identified and provide that information to our partners. We may also provide aggregate usage information to our partners, who may use such information to understand how often and in what ways people use our Services, so that they, too, can provide you with an optimal online experience. However, we never disclose aggregate usage information to a partner in a manner that would identify you personally, as an individual.

Information Required for the Conduct of Your Bill Negotiation Transactions.

We may disclose Personal Information about you to a service provider(s) for bill negotiation services if the disclosure will enable the third party to perform a business professional transaction. We may also disclose Personal Information about you to other contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

Advertisers. We may allow advertisers and/or partners (“Advertisers”) to choose the demographic information of users who will see their advertisements and/or promotional offers and you agree that we may provide any of the information we have collected from you in non-personally identifiable form to an Advertiser, in order for that Advertiser to select the appropriate audience for those advertisements and/or offers. We might allow Advertisers to display their ads to users with similar usage patterns to yours, but we will not disclose usage information to Advertisers except in aggregate form, and not in a manner that would identify you personally. Note that if an advertiser asks us to show an ad to a certain audience or audience segment and you respond to that ad, the advertiser may conclude that you fit the description of the audience they were trying to reach.

BillFixers may participate in interest-based advertising and use third party advertising partners to collect information from visitors to the Site for the purpose of displaying interest-based advertisements on other websites, apps or services, social networks, or on other devices you may use. Typically, though not always, these third-party ad networks use cookies and tracking technologies to recognize your browser or device and to collect information about your visit to our Service to provide you customized content, advertising and commercial messages which may be more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research.

Is Personal Information about me secure?

We have appropriate physical, technical, and organizational measures, and tools in place to protect your personal information against the loss, misuse, and alteration of information that complies with relevant legal requirements and best practices. When you enter sensitive information (such as login credentials) into the Site, we encrypt the transmission of that information using Secure Socket Layer (SSL) technology.

When you provide information through the Site, you should be aware that your information may be transmitted across the Internet, and no method of transmission over the Internet is 100% secure. Although we take reasonable security measures to protect your information when we receive it, you also need to ensure you take appropriate steps to protect your information. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please notify us of the problem as soon as possible by contacting us at privacy@billfixers.com.

Your account is protected by a password for your privacy and security. You must prevent unauthorized access to your account and Personal Information by selecting and protecting your password and/or other sign-on mechanism appropriately and limiting access to your computer or device and browser by signing off after you have finished accessing your account.

You can use a range of tools to control the collection, usage, and sharing of your information, and to make choices about receiving product and service offers. Some browsers have incorporated “Do Not Track” (DNT) features that can signal the websites you visit, indicating you do not wish to be tracked. Because there is no common understanding of how to interpret the DNT signal, our websites do not operate differently in response to browser DNT signals.

Opt-outs
·      E-mail: We will send information related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions;

Once you have registered for an account, you may update or correct your profile information and preferences at any time by accessing your account settings page through the Site.

We do not delete information about you should you discontinue to use our services. We may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. You may continue to receive emails from us, though you can opt out of receiving emails at any time by accessing your account settings page through the Site.

The Site may contain links to third-party websites. We have no control over, nor are we responsible for the privacy practices of these linked websites or any other third-party websites. Once you leave our Site, we cannot be responsible for the protection and privacy of any information that you provide while visiting a third-party website, and such websites are not governed by this Policy. You should exercise caution and look at the privacy policy applicable to the website in question. If you provide any personal information to a third-party website to subscribe to our products or services, your transaction will occur on the third-party website and will be controlled by the third-party privacy policy unless otherwise noted.

Our Site also includes social media features, such as the Facebook and Twitter buttons or interactive mini programs that run on our Site. These features may collect your IP address, which page you are visiting on our Site, and may set a cookie to enable the feature to function correctly. These features are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the social media provider’s privacy policy. This Policy does not govern information provided to us on any of our social media-branded pages or accounts. THIS POLICY DOES NOT ADDRESS THE PRIVACY PRACTICES OF ANY THIRD PARTIES.

We do not knowingly collect or solicit Personal Information from anyone under the age of 13. If you are under 13, please do not attempt to register for the Services or send any Personal Information about yourself to us. If we learn that we have collected Personal Information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at privacy@billfixers.com.

When you cease to be our customer, we may continue to use and share your information as described in this Policy.

SIMPLY PUT

We’ll try to be ethical, reasonable, and transparent in how we deal with your personal information so it doesn’t get into the wrong hands.